In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    With income per capita of about US$9,970 and Petronas continuously providing an onerously generous 40 per cent to government revenues, Malaysia has all the essential ingredients to flourish.It remains a mystery as to why and how this small country of 30 million people managed to shockingly assume the unsolicited title of the region’s most unequal nation.Have we the common people, appreciated how much wealth Malaysia has?Do we have a clear picture as to how such wealth was spent?In these essays, the author attempts to uncover how our oil and gas resources were developed and whether they have been exploited for or, rather, at the expense of the general public. The oil royalty dynamics are also explained step-by-step to provide a context to the on-going saga.How does the exploitation of this fast-depleting resource play a pivotal role in the multiple socio-economic realities we face, ranging from household debt to income inequality, stagnant wages and poor educational standards in international rankings?Is our national education a failure? Should we teach Philosophy in universities?What are the myths of the rich and poor? How can education alleviate the poor? Encounter failures inherent in the education system and discover the spirit of education volunteerism as possible ways out. This forms the raison d’etre for Teach for The Needs (TFTN) – to promote education equality among underprivileged children.Such a riposte to the current malaise in education begs the question, is school a betrayal to education itself? Is the time ripe to replace our current national philosophy of education with love and free education?The author’s search for enlightening answers to some of these hard pressing questions gave birth to this book where a mixture of ideas, ideals and critical proposals coalesce into one. Deliberations in this book are hardly the author’s alone – it is humbly shared in the hopes that they can be expounded further through the public domain. To that end – requiro!Categories: Criticism, Economics, Education, Energy, Essays, Malaysia, Oil and Gas, Pedagogy, Philosophy, Policy, Political and Social Views, Politics, Public Policy, Trade, Volunteerism

    A prominent bank CEO seems on the verge of a nervous breakdown.In Washington D.C., a former Wall Street regulator checks into a hotel using the name of a hedge fund manager for an illicit meeting with a prostitute. In a D.C. suburb, the CFO of a beleaguered mortgage giant chooses a drastic personal end to “relentless pressure”.In a picturesque suburb of Zug, Switzerland, the CFO of a major insurance company decides to end his life. In London, a financier kills himself in a way he once said he never would.In her new memoir, Janet Tavakoli shines a bright light on the money-driven culture of Wall Street and Washington, and the life and death consequences of our decisions that put profit above all.Approximately 16,000 words of text (not including front and back matter and references. 105 total pages)Praise for Decisions"Tavakoli takes us on a scenic tour of the recent lowlights of Wall Street and Washington...demystified and rendered tragically human. It's a compelling tale.” Jake Bernstein, winner of the Pulitzer Prize for National Reporting "Merrill Debauchery Only Begins This Woman's Tale... 'Neither Bill nor I believed Calvi committed suicide,' Tavakoli writes. 'Bill joked that he'd never hang himself. It was too gruesome.'"Bloomberg News "Janet Tavakoli is a born storyteller with an incredible tale to tell. She takes us on a br /isk journey from the depravity of 1980s Wall Street to the systemic recklessness that crushed the global economy.”Nomi Prins, author of All the Presidents' Bankers “An authority on credit derivatives, has written a reflective memoir about life in the world of finance. Tavakoli is not a woman who employs words carelessly, and when she says fraud she means ... fraud.” All About Alpha Praise for Janet M. Tavakoli“She knows her stuff, has strong opinions, and turns a colourful quote.” Financial Times “Janet Tavakoli knows more about the inside of the financial world than nearly anyone else!”Jim Rogers, Author of Street Smarts - Adventures on the Road and in the Markets“Intelligent analyst whose command of the arcane world...mixed with a brutally honest analytical framework makes it a pleasure to read her work.” Asia Times Online

    Whether targeting communist diplomats, foreign terrorists, or domestic dissidents, BIN and its precursor organizations have been the covert spearhead of the nation's security policy. Here, for the first time, this secretive agency is exposed in INTEL: Inside Indonesia's Intelligence Service by noted author Ken Conboy. Drawing from exclusive access to BIN's personnel and operational archives, Conboy examines the agents and their operations since BIN's founding fifty years ago, and sheds new light on Indonesia's role in the Cold War with case studies of North Korean, Soviet, and Vietnamese operations across the archipelago and BIN's current position at the forefront on the war against terrorism. From the activities and subsequent captures of both Faruq and Hambali to the Indonesian operations of al-Qaeda, this book provides far more detail and insight than previously available. Understanding BIN is an integral part of understanding the politics and security of Indonesia, and INTEL is essential reading for anyone interested in intelligence operations, contemporary Indonesian history, and international terrorism. KEN CONBOY is country manager for Risk Management Advisory, a private security consultancy in Jakarta. Prior to that, he served as deputy director at the Asian Studies Center, an influential Washington-based think tank, where his duties including writing policy papers for the U.S. Congress and Executive on economic and strategic relations with the nations of South and Southeast Asia. The author of a dozen books about Asian military history and intelligence operations, Conboy's most recent title, Spies in the Himalayas, has earned praise as an intriguing account of high-altitude mountaineering and covert missions. A graduate of Georgetown University's School of Foreign Service and of Johns Hopkins' School of Advanced International Studies, Conboy was also a visiting fellow at Chulalongkorn University in Bangkok and has lived in Indonesia since 1992.

    Terminology used by industry pros is explained, the equipment needed to create professional results is outlined, and the unique role that each element of the lighting setup plays in the studio is explored. Photographers learn how color, direction, form, and contrast affect the final portrait. The concise text, photo examples, and lighting diagrams enable photographers to easily achieve traditional lighting styles that have been the basis of good portraiture since the advent of the art.

    From investing in Bitcoin in university to his time writing for Reuters, and then mining the digital asset ― Lou meets a co-founder of Ethereum and Gerald Cotten of QuadrigaCX (before he was reported dead), and hangs out in North Korea with Virgil Griffith, the man later arrested for allegedly teaching blockchain to the totalitarian state.Coming of age in the 2008 financial crisis, Lou's generation has a natural affinity with this rebel internet money, this so-called millennial gold, created in the wake of that economic storm. At once an immersive narrative of adventure and fortune, Once a Bitcoin Miner is also a work of journalistic rigor. Lou examines this domain through the lens of the human condition, delving deep into the lives of the fast-talkers, the exiles, the ambitious, and the daring, forging their paths in a new world harsh and unpredictable.

    England took their eye off a ball they arrogantly thought they owned, allowing other nations to run off with it.'It has been Fifty Years of Hurt since Bobby Moore lifted the World Cup trophy at Wembley, and in this groundbreaking book, Henry Winter will address the state England are in on the golden anniversary of their greatest moment. Part lament, part anatomy of an obsession, both personal and collective, it analyses the truth behind the endless excuses, apportions the blame for the crimes against English football, but is also a search for hope and solutions.Fifty Years of Hurt weaves more than forty exclusive interviews with the biggest names in the game - Jack Charlton, Alan Mullery, Peter Shilton, Glenn Hoddle, John Barnes, Chris Waddle, Gary Lineker, Ian and Mark Wright, Alan Shearer, Michael Owen, Frank Lampard, Steven Gerrard, Roy Hodgson - with a narrative dissection of the highs and lows of five decades of football. And as well as players and managers, Henry Winter talks to the fans, to agents, to officials, to the governing bodies, about every aspect, good and bad, of English football, to provide answers to the question: 'where did it all go wrong?'.It is a passionate journey by a writer with vast personal insight into the national team, with unprecedented access to all areas of the game, but also by a fan who wants his England back. The Fifty Years of Hurt must end.

    The pictorial models are useful in understanding relationships. The models also abound in descriptive detail.

    Nevertheless, it has exerted a more powerful hold on international popular music than any nation besides England and America. From Prince Buster to Burning Spear, Lee "Scratch" Perry to Yellowman, Bob Marley to Shabba Ranks, reggae music is one of the most dynamic and powerful musical forms of the twentieth century. And, as Lloyd Bradley shows in his deft, definitive, and always entertaining book, it is and always has been the people's music. Born in the sound systems of the Kingston slums, reggae was the first music poor Jamaicans could call their own, and as it spread throughout the world, it always remained fluid, challenging, and distinctly Jamaican. Based on six years of research -- original interviews with most of reggae's key producers, musicians, and international players -- and a lifelong enthusiasm for one of the most remarkable of the world's musics, This Is Reggae Music is the definitive history of reggae.

    L.I.F.E. is a vicious, heart-wrenching and true-to-life novel about an LA gang member that masterfully captures the violence and depravity of gang life. Shakur’s protagonist is Lapeace, the leader of the Eight Tray Crips gang in South Central Los Angeles. In a deadly gunfight with Anyhow, a Blood and Lapeace’s rival since childhood, eight innocent civilians are killed. Anyhow is captured. Lapeace becomes a fugitive and he must hide out in the home of his girlfriend, Tashima, a hip-hop mogul as a pair of crooked LA detectives, John Sweeney and Jesse Mendoza, attempt to track him down.This novel was written from the confines of Shakur’s jail cell, and the authenticity of its street scenes--the relentlessness of violence, the do-or-die attitude of each side of the gang war, the sheer joy in the killing--is a testament to the hell that has been a majority of Shakur’s life. With T.H.U.G. L.I.F.E., Shakur delivers a powerful and gripping story about the terror of gang life and one man’s attempt to free himself.

    This issue is devoted to currents of all kinds, and to barriers that check them

    While government programs assist the poor, and politicians woo the more fortunate, the "Missing Class" is largely invisible and left to fend for itself. Missing Class parents often work at a breakneck pace to preserve the progress they have made and are but one divorce or unexpected hospitalization away from sliding into poverty. Children face an even more perilous and uncertain future because their parents have so little time to help them with their schoolwork or guide them during their adolescent years. With little supervision, the younger generation often flounders in school, sometimes falling prey to the same problems that are prevalent in the much poorer communities that border Missing Class neighborhoods. Paradoxically, the very efforts that enabled parents to get ahead financially often inhibit their children from advancing; they are in real danger of losing what little ground their parents have gained.The Missing Class is an urgent and timely exploration that describes-through the experiences of nine families-the unique problems faced by this growing class of people who are neither working poor nor middle class. Katherine Newman and Victor Tan Chen trace where these families came from, how they've struggled to make a decent living, and why they're stuck without a safety net. An eloquent argument for the need to think about inequality in a broader way, The Missing Class has much to tell us about whether the American dream still exists for those who are sacrificing daily to achieve it.

    Princess Pocahontas and the Blue Spots is a satire of colonization that celebrates Native women as creators and healers. It has become a classic in Canadian theatre since it was first published in 1991 and is now widely studied at universities and colleges across North America and around the world.The remarkable radio play Birdwoman and the Suffragettes: A Story of Sacajawea, first produced or CBC Radio Drama's Vanishing Point: Adventure Stories for Big Girls, is also included.

    Cross answers this question with his ground-breaking approach to revitalizing businesses: focusing on the revenue side of the ledger instead of the cost side. The antithesis of slash-and-burn methods that left companies with empty profits and dissatisfied stockholders, Revenue Management overturns conventional thinking on marketing strategies and offers the key to initiating and sustaining growth.Using case studies from a variety of industries, small businesses, and nonprofit organizations, Cross describes no-tech, low-tech, and high-tech methods that managers can use to increase revenue without increasing products or promotions; predict consumer behavior; tap into new markets; and deliver products and services to customers effectively and efficiently. His proven tactics will help any business dramatically improve its bottom line by meeting the challenge of matching supply with demand.

    Implementing these Five Secrets in your life could radically change not only your current financial situation, but the financial future of your children and grandchildren.